There is a question that is often asked: If I accumulate 1 million in the crypto world, what if I put all of it into stablecoins to earn annualized returns?

My straightforward answer: I wouldn't do that.

Why? Because large funds don't rely on interest to survive. What do they rely on? Structured operations to amplify returns.

Have you noticed that you're making money very slowly? Your money is just sitting there with no movement. You think you're waiting for an opportunity, but the real issue is here — your funds have never been designed to "seize opportunities."

Last time, a friend came to me and said he had 1 million idle cash earning interest, only making over 80,000 a year, and felt it was too slow. I asked him to send me a screenshot of his account, and I could tell at a glance: all his money was sleeping, with no rhythm at all. No wonder it's slow.

I shared with him a set of strategies commonly used by big funds, called the "Three-Stage" model.

**Stage One: 20% Stable Layer**

This part isn't for making big money; it's for "stability." Earning interest, participating in node lock-ups, taking advantage of activity subsidies... The purpose is to keep you calm, prevent full positions in one direction, and avoid reckless operations. Stability is the first iron law for big funds to survive.

**Stage Two: 50% Low-Risk Arbitrage Layer**

This is the main source of returns. It's not about FOMO or chasing highs and lows, but about making well-judged swing trades. For example, when ETH dropped from 3435 to 3160, if you knew the entry point and the risk-reward ratio, using 50% of your position to make a swing trade could steadily increase your gains. Relying solely on this layer, the annual profit is already enough.

**Stage Three: 30% Opportunity Layer**

This part should always keep some bullets ready. Major market moves, black swan events, new coin anomalies, whale dumps... often emerge when you least expect them. Once, a new coin's support was broken, and I immediately took a short position, capturing the cleanest initial profit. Opportunities? They are always reserved for those with positions.

The final effect is like this: 20% guaranteed, 50% steady profit, 30% for big hits. Money flows, positions have rhythm, and opportunities are seized — naturally, this beats earning interest much faster.

Remember this: It's not that the market has no opportunities; it's that your money hasn't been structured by you to "capture opportunities."

Want to turn things around in the crypto world? Start by changing your asset allocation.